Yustinus

After graduating from Curtin University with Bachelor of Commerce (Accounting and Finance) and Masters of International Business, Yustinus pursued his career in banking as a mortgage specialist for 4 years handling residential and commercial loans. As a highly efficient banker, he has won many sales awards during his employment. He believes in putting his customers first, and is constantly striving to develop a good and long-term relationship with them.

Offer to Purchase vs Option to Purchase: What It Means, How It Works, and How It Differs

Updated 05 Mar 2026 Understanding the distinction between an Offer to Purchase and an Option to Purchase (OTP) is crucial for property transactions in 2026. Both serve as key instruments in real estate deals but differ significantly in legal power. This article clarifies these terms for both HDB and private property dealings. We also factor in recent policy shifts like the HDB Flat Eligibility (HFE) Letter and tighter Loan-to-Value (LTV) limits. What Is an Offer to Purchase? An Offer to

Yustinus March 5, 2026

Understanding In-Principle Approval in Singapore for Your Home Loan

If you are planning to buy a home in Singapore and need a bank loan, getting and understanding In-Principle Approval (IPA) should be one of your first steps. Many homebuyers mistakenly believe they can secure financing at any time only to be faced with unexpected issues. Without an IPA, you could risk losing your dream home or even forfeiting a huge deposit. This article will guide you through everything you need to know, what you need when understanding In-Principle Approval

Yustinus May 7, 2025

Optimize Home Loan Financing: Keep $20K in Your CPF Ordinary Account

Your Central Provident Fund (CPF) comes in handy when purchasing your new home but how much money should one tap on CPF? Should you deplete your CPF savings? What is a safe amount of money to be retained in CPF? Fret not, let us give you a better idea on home loan financing. When purchasing a new home, there are generally 2 common scenarios: Scenario 1: If purchasing a HDB, take up a HDB housing loan. You can choose to

Yustinus July 18, 2023

Government cuts back supply of private homes, as per GLS Programme 2H2019 release

The Singapore government announced a reduction in the supply of private residential houses under the Government Land Sales (GLS) Programme. This comes after there was a dip in demand for private residential properties following the cooling measures implemented in 2018, which resulted in a large oversupply of private residential houses. In the recent Release of Second Half 2019 Government Land Sales (GLS) Programme, the Ministry of National Development (MND) released 5 confirmed list sites and another 8 sites on the

Yustinus July 31, 2019